attention to. neil: you just want to throw money at it? >> no, i don't. neil: yes, you do. >> no, i don't. i would raise the minimum wage. i just don't want to throw money at it, neil. there, you know, there's wonderful things we can be doing, -- neil: like burning the money instead. francis, this is what worries me from the market per speck -- perspective, and maybe cypress tipped us off that there's problems out there, and it's not alone saying that. maybe this idea -- i'm not saying there's another meltdown, but there are worries that justifiably get people to pull in; right? >> oh, i couldn't agree more, neil. i think, you know, the markets have just sort of become numb and apathetic to the international concerns, and i don't know apathy is prosperity either. yes, obviously, you know, in the modern times, america is co-dependent like the other countries around the world, and

there is signals there are weaknesses, and in this country, we have fiscal problems, and blaming the republicans is the easy thinged too, and if someone things obamacare is not related to this, to me, i don't understand that because obamacare costs a lot. if he thinks obamacare and the costs intrinsic in obamacare are not related to main street and wall street -- neil: john -- >> it's contagious. neil: you need something to look forward to like individuals need it. that's what makes you spend and the members spend and all of us spend, and when we get nervous, we don't do that; right? >> right. we just dig heels in as i said, and i think what the elected officials just fail to observe and do, neil, is just really respect where people are coming from, and, frankly, stop taxes, stop regulations, fewer lawsuits, let's help get small business out of the hole they are in, and it's just a classic example of how very little most of our elected officials understand how a business, a

small business is run in america. that's just too bad. neil: all right. we'll watch closely. thank you, all, for your help today. we'll keep a close eye on all the developments and the president's trip and whether this economy is going to go up. tomorrow, a look at numbers you don't really quite see all the time that might beg that issue.y ♪ here's gerri willis. >> good evening, everybody. tonight, a cyberattack paralyzes banks an media companies in south korea. who is behind it? could it happen here? also, putting the brakes on high frequency traders. are they breaking the law and stealing your money? a new policy from one of the country's biggest companies. tell us your weight and body fat or face a fine. "the willis reprt" is on the case.

>> all that and more, but first, a top story, a warning for you and your money, a big cybersecurity threat could be headed our way, at least two major banks and three television networks in south korea reporting their computer networks crashed. officials there speculate it was all at the hands of sib terrorists from north korea. many bank customers were unable to use debit or credit cards. imagine that, atms shut down for hours. the invesgation ongoing at this time, but a big question we're asking tonight, could this happen here? right in the u.s. with your money? there's a recent string of sib attacks against the u.s. financial institutions like bank of america, wells fargo, and the list goes on and on and on. joining us, the chef technology officer at macafee.

i want to start, the story is scary people saw skull and cross bones when they tried to get on, and, apparently, the country's entire commerce came to a grinding halt because you couldn't get money out of atms. who do you think of the story, and could it happen here? >> unfortunately, it could happen here, the very same strategies that are used by l banks in carerra, south korea, are used by banks all across the country. it's basically approach a fire wall and antivirus trying to predict what happens in the future basedded on what happened in the past. that is a failed strategy, and that same strategy is deployed in many banks here and will fail here. it's just a matter of time. >> now, you testify in front of the house small business committee talking about the risks and dangers of cloud and mobile computing. phyllis, is the cloud, is that something that makes things

worse when it comes to security? >> so, first of all, thank you, gerri, very much for having me here. it's a big issue. it's a global issue, and this could happen anywhere by anyone to anyone, and tomorrow's testimony to the small business committee, i thank chairman graves and the committee for having mcafee there. it affects our business, making up the business globally, and small business can't afford millions of dollars in securities, so more than ever, they build the intellectual property, and we need to make sure that -- gerri: absolutely right. a critical part of the economic infrastrture, small business. ira, you menioned something interesting that we have not heard a lot about to the producer. you said the emergency alert system in this country was hacked, and it seemed like nobody cared. what happened? >> yeah, what happens was the federal government is pushing out a new system that's completely autmated for the emerncy alert system, and tat

equipmenis poorly secured. everyone thought it's no big deal. it's inside the station's network. who is going to get in there? that's the problem. we have to assume the attackers are in the network persistly, and we have to take the critical assets, treat them as the crown jewel, and be smartand stop thinking about fire walls and protecting our outer layer. gerri: dng it the wrong way, you say. thhy sent out fake alerts, which, to me, is squarey because you rely on that emergency alert system to keep you safe. >> yeah, and if we have false alar on those systems, then people don't pay atention to the real alarms. it's a real problem going back to the issue of we got to stp thinking fire walls and antivirus. thbad gus are in the networks. what are we going to do strategically? differently? a ground changer to be proactive rather than reactive when it comes to protecting our critcal

infrastructure and our informatioassets. >> phyllis, you're -- your compa is very big in this area, and you guyeded -- guys talked about a project you were on top of, 30 banks targeted, and pardon me, i'm obsessed with the banking sector as are many americans who worry if there was a hack attack on banks, maybe the money goes away. what is the risk to the u.s. banks system right now? >> the risk is enormous. mcafee and intel revolutionized how we look at security. rightfully so, fire walls are not enough. they are not. look at security as a connected environment where every network learns from something all the way to the hardware where we stop aacks like we see today, symptom it by not allowing this and stoping the bad guy to not have ownership of the system and going back to the banks, that protects your assets.

gerri: i hear some the malware and bad guys lurk there for years and nobody knows. so far, though, with u.s. banks, it's been that they are able to close down the websites, but they don't is their big fa fingers in your checking accounts, say. is that going to change, phyllis? >> so the u.s. banks have been phenomenal. the financial sector is phenomenal because they collaborate exceptionally well. they share information about what they see because they always understood the threat because they protect money. what we need to do is get more information schairing at the cyber level and realtime level. what t adversary can't do, understand the health of the network at the speed of light like your body's immune system. when they share information, it protects companies. gerri: i was amazed at the people who do this, so russia, the attacks come from there. at's going on here? why are these the countries

targeting us? >> understand their philosophy. those countries view philosophically that we in the west became rich because we stole it from them so the are not stealing from usin their mind set. they are just getting back what they think is rightfully theirs, and once you understand their mind set, now you can understand that they have no psychological barrier to emptying our intellectual property, our jobs, our trade secret, our money because they think they are getting back what is rightfully theirs. gerri: that's twisted. thank you for coming on, fascinating stuff, and you talked about how to change it. appreciate it. >> thank you very much. >> good to be here. gerri: well, what do you think? here's the question tonight. are you worried about online banking? log on to gerriwig liz.com, vote on the right-hand side of the screen, and i'll share the results at the end of the show. the top five, there's millions and millions of cyber attacks

each day all over the world, some in history. tonight's top five, the most high profile attacks of all time according to guardian network services. number five, the morrisworm. remember that? an internet worm that happened way back in 1988 as the internet was first launching. robert morris, a cornell student, tried to measure of the size of the internet rendering thousands ofcmputers useless. he's now a professor at mit. of course, he is. in 2004, nearly amillion computers around the world were infected with my doom virus. at the time, it was believed one in 12 e-mails carried the worm stealing people's addresses. the perpetrator never caught. the 2011 data breach allowed hackers access to over 77 million users' personal information with estimated damages between $1-$2 billion. number two, mafia boy named after a teenager who in 2000

single handedly hacked into yahoo, amazon, c inning p -- cnn, a bay, with denial of service attacks. number one, worse of all time, titan reign. they were named the attacks on u.s. military cmputers in 2003. they are believed to have been aced to china. seems to be happening all over again, doesn't it? a lot more to come this hour including, that is, a growing list of companies asking you to disclose your health history. also, we'll have much more on the growing cybersecurity threat, tips on how to protect yourself online because here at "the willis report," we're helping you take control of your life. ♪ >> recently, we had our visa card hacked for a hundred dollars so we 4 to change the vi, that paid all of our bills making it more complex. >> did that scare you? >> it didn't scare me, but it brought it home that it could

happen, it was just for a hundred dollars, i think it was at a -- a coffee shop or something. ♪ your finances can't manage themselves, but that doesn't mean they won't try. bring all your finances together with the help of the one person who can, a certified financial planner professional. cfp -- let's make a plan.

gerri: do you guys, like, monitor your passwords and change them? >> we do. watch what you order online, watch where you go. it's being street wise,but in the computer world. >> i take passwords seriously. i don't use the same for anything. my passwords as cryptic as you can get. gerri: not your daughter's name or not using, you know, your tfn number. >> if the goal is to get the password out, that's not going to work, but, no, i'm cryptic of the passwords. gerri: that guy in the red jacket, he's an i.t. professional. he did not tell me util we stopped talking. talking to the folks on the

street today, i couldn't believe how many had been hacked, lost information, or money online so, today, tips for making sure that you are not the next victim. the very first thing to think about, password security. if your password for your desk top, laptop, iphone, ipad is predictable, change it now. hackers guess what the password might be. i know you are smarter than those who use password 1 or 12, 3, 4, 56, i now you don't duothat, but you could be in trouble. the other way they get a password is run a program that puts together random letters and numbers, and for that reason, you want the pasword to be lo. a five character password can be cracked in five seconds. days. chracters would take 57 hackers are not that patient. here's an idea from eric, a frequent guest on this program from all things d.

he uses a program calle one password creating a different passwo and a complicated one for every account you have, and then it hides them behind one single password that you remember. at's smart. thanks, eric. find it at ag -- agilebits,.com/onepassword. until that time, get a good password for each device and websites you shop at. it doesn't hurt to check bank balances frequently. i have my bank alert me for any transaction over 50 bucks just in case. more evidence of an uneven playing field in the market and what's doneo balance the ales. message telling your boss how much you weigh or how many cashes you eat. our panel weighs in on the disturbing new trend comi out now among employers. you want to hear that.

>> i was in asia last week, and i will say this. i got notifications from the credit card company that i was making charges, and they actually cut me off. i was hapy that that happened, okay? because it could happen, so i would rather that those sorts of situations occur, and i have an inconvenience. ♪

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...amelia... neil and buzz: for teaching us that you can't create the future... by clinging to the past. and with that: you're history. instead of looking behind... delta is looking beyond. 80 thousand of us investing llions... in everything from the best experiences below... to the finest comforts above. we're not simply saluting history... we're making it. gerri: a drugstore chain telling employees weigh in or write out a check.

♪ gerri: you're not going to believe this. fess up or pay up. cbs caremark is now requirin

all employees who use the company's health insurance to submit their weight, their body fat, and glucose levels to the insurer or pay an annual penalty. here to weigh in, staff writer for the hill, chris anderson, a republican pollster, and a small business expert best selling author, susan. what do you ink of this? >> employees are just going to have to get used to it, gerri, because health care costs are skyrocketing. companies tried for years, wellness programs to incentivize employees to lead healthier lifestyles, and now it's like car insurance. if you're going to drive the car like a main yak, your car insurance goes up. if you make unhealthy choices and don't mane health care, it's costing you more. gerri: suspect it an invasion of privacy in -- >> whatever foots th bill, they want tknow what's going on. this was broken in the health care system before obamacare came. you have an employer between you

and your doctor, so i don't like it. i think it's unfortunate, but if the employer's the one footing the bill, i see where they are coming from. gerri: i don't get it. i feel this should be information i have for me, not something that the company uses against me, and let's be clear here, this is not a voluntary program. if you have to pay, if you don't have the right numbers, you are forced to comply. >> that's right, and there's a lot of concern that this could unfairly penalize people who are low income, people who are minorities, people with genetics who are unhealthy. gerri: i feel like in our society, and i'll give you a chance, the story dives me crazy -- this society is all too willing to say nasty things about overweight people who have no control over it and hide behind it. >> let's face it. i know there's people who have medical conditions that have problems with their weight, but a lot of times we just have people who just eat too much.

it's fine. if you want to make that choice, that's fine, but we know it's a serious health care risk that increases your risk of cancer, increases your risk of diseases like diabetes. you know, it drives up heth care costs. you have to pick up that share, and, by the way -- gerri: you're a small business person worried -- >> no, let me tell you this, under obamacare, the employer can pass along up to 50% of the total health care costs to the employee. we are just seeing the beginning of this, and this is the tip of the iceberg. gerri: you're right about that, just getting started. kris tin, to you. you know, i talked about how it's not voluntary, but one of the things i'm worried about is that you give th information, really, to the insurer, and they sathey don't give it to the company, but do you really believe that? >> i don't know. information travels so fast these days. informs in never safe anywhere. i think that's an unfounate risk, you know. when i go into the doctor and

they have private information, you hope it's not getting anywhere else. if it goes to the insurance company, and every time it leaves my doctor's office, there's a risk it goes somewhere it's not supposed to. >> if i could add something, there are lays that govern patient privacy. they have been in place for a long time. now, to be honest, the backlash is starting with this. we see it all over the news right now, and so i bet we're going to see congressional hearings asking are companies allowed to do this, and how can they keep people's information safe? gerri: there's not a ton of stories op this, but cities, counties, and towns are doing this. susan, you say it's a the way of the future. >> right. gerri:e are hiding, trying to reduce the medical costs. >> absolutely. gerri: but at the same time, you put the burden on the person withhe problem. >> okay, flip it, gerri. you go in, you get the screening, you find out your cholesterol is too high, your body fat's too high. it's a wakeup call for you, and

you do something about it. you actually make a lifestyle change. there could be a silver lining to this. by the way, this is not the only thing -- gerri: i'm not saying people shoun't take action. that's not the point. the point is people should in the be peoplized where they have little control. i'm the only person who thinks that way. >> smokers, did you know it costs an employer $21 a day per employee for every smoker on their health care coverage. gerri: that's a different kettle of fish than just beig overweight, but smoking has been the test case. >> right. gerri: the first issue out of the blocks. what do you think of this at the end of the day? limits to this in any way? >> absolutely, and, you know, we are seeing workplace wellness programs on the rise, but the cvs approach is unique. i cover health care issues, and i've not seen this. they are using a hard stick approach when most workplaces used carried approaches. they reimburse your gym -- gerri: i love that.

>> giving you a free seminar, something like that, the cvs approach is an outliar. we will not see a lot of i. >> i think those kinds of programs have not been effective. we have seen that they have not been effective, and now employees say, okay, we're going to take a harder stick approach. you pay for those choices that you make. >> last word. >> i'm with you, gerri, i don't like it, but, unfortunately, this is the reality. e more and more barriers between a person and their ctor, an employer or government, the more other people want a say in what you do as far as what you eat, how much you weig ect., ect.. it's just unfortunately the way we're going. gerri: it's nobody's business other than my own. you guys were great, though. appreciate your opinions, great stuff, and a lot of emotion and verb. i love that. thanks so much. >> thanks, gerri. >> thanks. >> thanks. gerri: yeah. coming up, the new hot commodity is farmland. could the boom go bust? next, leveling the playing

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from our fox business studios in new york, here, again, is gerri willis. gerri: well, another record day for your 401(k). the dow hitting another all time high up 56 point and the s&p and nasdaq ending the day in green territory. good news, but we have bad news. head's up investors, igh frequency trade firms could put you and trades at a big disadvantage. it's a wash trade. when traders acted legally as the buyer and seller for the

same transaction driving volumes and distrting prices. the cftc on the case. we have details of the investigation and what it means to you. bart, great to have you on the show. thanks so much for coming on. explain the wash trades. what are they? why are they eel isle? >> well, you explained it well, gerri. it's actually when you offer to buy and you sell at the same time. you just cancel each other out. you are not taking risks in the markets, and it creates a false volume, and there's all sorts of fancy terms for what it could do, butignition momentum is one that can sort of trigger a feeding frenzy, and it's something we are reviewing and looking at, and it could be hurting small traders. what we have found, gerri, through a study we did and talked about a little bit n december is that every time a retail customer, a smaller guy tradewith one of the high

frequency cheetah traders, that's what i call them, every time it happens, the high frequency chee that trader makes $3.50 on the little guy. that's concerning about the caps. gerri: how many make money on this? why does it give them such an advantage? >> well, what they try to do is a general practice is they try to skim a little bit out of the middle. they are -- a lttle out of the top, rather. they are the new middlemen if you will. they are providing liquidity when they are in the market unless they watch their sales. when they do that, they try to take a little bit, operating so fast, gerri, talking about technology earlier. they operate in the milliseconds which is one one-thousandth of a second,super, super fast, getting a microdollar in a millisecond. gerri: that adds up. there's a full screen on high frequency trading profits on a

$50,000. fundamental traders like 1.92. small traders make $3.49 at the end of the day, those hurt are the small guys. why do people lt this go on? i just don't understand why we would put small investors at risk, the very people, the very people who are using the stock market to retire, to put together savings for the kids to go to college on. it just seems unfair. >> well, these guys are in the market. they have a right to be in the market. ey are very sophisticated programs. they are developing algorithm programs on everything from twitter to fox business news feeds, how many times does gerriwig willis mention a product or something? they do algorithms like that, gerri. they are sophisticated. gerri: we're not talking about trading on the basis of whether a company improves earnings or has a new ceo or new product to help it move forward, and that's what is bothersome about this. people with fancy pants

computers, individual investors can't do this themselves. they are not in the game. has nothing to do with the basics of this stock exchange, which is to put money together for companies, help them raise capital, move it around. this could not be further from that. >> yeah, that's a question i keep raising and raised it the other day in a speech. the purpose, the fundamental purpose of the markets may have some problems because these are a new type of cat. these markets are morphing, and we have to ensure we have the right side boards. i don't want them out of the market. they are sophisticated. we want the liquidity when they don't wash the trades, but we want average folks protected like you say. gerri: bart, more power to you. we'll check back in on this when you can talk about details, maybe company's names, what's going on, and we'll be tracking the story. thanks so much for coming on. good to see you. >> good to see you, gerri. gerri: when we come back, tips on finding the best deals and

hottest tickets, and the housing boom is not gist in suburbs. farmland rices skyrocketing. what it means for farmers, ut for you, the consumer. coming up. coming up. ♪ all stations come over to mission a for a final go.

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nationwide property taxes rose in the housing collapse and beyond, but one item never fell, that's paying for school superintendents funded by your taxes. a fox investigation finds school superintendents are not just among the highest paid government workers in the country, but they increasingly get six figure pay and half million range, and it's ten times what teachers get. we found in a dozen states, school school superintendents paid more than what gvernors are paid to run the state including new york, new jersey, california, ohio, illinois, and washington state. we also found that four out of ten new york school superintendents get 200,000 annually, more than the pay for the governor quo moe and more than the average of 162,000. two school superintendents in new york made half a million bucks overseeing seven schools each. the governor joked about that.

you know, i'd apply for that job, and now, gerri, there's little oversight of school superintendents' pay, and they are calling themselves ceos. in fact, shools now routinely use corporate pay models for school superintendents' pay getting free cars, free cell phones, money for college tuition for their kids, retirement benefits for life, bonuses, four week vacations, and pay for unused vacation. meanwhile, the u.s. gets a c-minus from education week for the school system as schools across the country continue to struggle with failing students facing record deficits. new jersey governor chris christie called school supers arrogant and greedy,but when new jersey tried to cap super pay, the school school superintendents sided the cap by double dipping, retiring early to pocket the pensions, and then they got rehired elsewhere as school administrators or consultants. in new jersey, one retire 18

years ago, but got rehired 23 times since as a school administrator elsewhere pocketing $1.2 million, and double dips is rampant in ohio too. back to you. gerri: great story. thanks, liz. on to farmers. they are getting paydays for the land. it's part of what some call another golde age for farming. with more on this, host of u.s. farm report. john, thanks for being with us. great to haveou on the show, now, this story surprised me because i thought the drought killed you all, and hear that farmland is on fire, and, in fact, some investment banks out there try to snap up as african as they can, i was surprised by that. what's going on? >> well, it's not quite as drastic as it appears. first off, remember 80% of the farms that are sold are bought by other farmers or the farme next door who is retired. the idea that the outside comes

in and buys, actually, there's more outside investing money in ten years ago. farmers buy the land. that's ad goo thing for the country and for e industry. it's also important to remember that this run up in prices for the land is fed by extraordinary circumstances with global demand for commodities that attracted all kinds of money, and at the same time, farmers are enjoying, at least in the grain farming sector, not so much in the protein, livestock, and milk sector, but they see record profits. similar, we have not seen this literally for a century from 10-1914. gerri: values up 52% in the last two years, 2010-2012. that's dramatic stuff. now, i assumed, though, farmers are the big players in the market place, but there are pros does that create any issues, any problems for the people who are used to living on the land? >> absolutely not. as a matter of fact, we consider

when an investor buys farmland, it's been a failure on the part of the farming community to allow the land to come to the market. we're all working hard to try to ta to all the land owners around us so that thei first call is not to a real etate agent or investor, but to us. that's the way -- that's really the nature of the market. gerri: kep it quiet and private. you're -- >> yes. gerri: commodity prices and global prices through the roof. corn prices up year over year 12..5%. tell me impact on farmers. i assume it's good news. how does that play out over time? >> well, it -- farmers will farm for a certain amount of money, a certain profit level. as farm prices go up, and, oddly enough, chinery prices go up, fertilizer prices go up. you're back to the same margin you had ix europes ago. if you take a look at farm land, this is not a ecent trend. the last 20 years, the best thing you can possibly have done

with money was to buy a piece of 80 acres of iowa or illinois farmland, and as you start out at the beginning of the story, think about it. it's somethinghat's not hacked or em embezzled. gerri: not making more of it, that's for sure. >> no, w can't move the borders. what we see i disproportioned gains in the western and northern as the imate belt moves northwest. nebraskaka has 30% gains, and illinois just sees 12%-15%. gerri: would be happy to see real estate go up that much. john, thank you, appreciate your time. >> good to be with you. gerri: interesting stuff. still to come, my two crepts more on waste, fraud, and abuse. where else other than california? what you need to know to save the dough when you shop.

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how much our advice and guidance costs. spoiler alert: it's low. it's guidance on your terms, not ours. e-trade. less for us. more for you. gerri: attention shopper, the scoop own how to buy the hottest sold out tickets for less. consumer reports joins

gerri: a fox business aletter for you now. the troubles for carnival just keep oncoming. now the cruise line is canceling problems plaguing its ships. the carnival triumph left more than 4,000 people stranded at sea for more than a week last month. it was supposed to take two months to fix, but now it's not seaworthy until june 3rd. additionalen cruises will be canceled. the 30,000 vacationers affected

will get a refund, reimbursement for transportation costs, and a 25% discount on a future cruise. i got to say, the discount on future cruises like constellation? i don't know if i take them up on that. also, the carnival sunshine is also undergoing a full ship makeover and won't return to service until may, and just a reminder,the triumph was not the only ironically named ship in the company's fleet. last week, the dream's backup generator failed forcing passengers to fly home from the caribbean and the legend had mechanical problem forcing to skip stops and return immediately to tampa. in the revised earnings release, carnival blamedded troubles in europe in 2013. really you don't think the pictures of people stranded on ships with overflowing toilets had nigh to do with it? all right. well, on to scoring deals. if you're looking to get a good ddal, to find the hottest sold out ticket to an event of some

sort, consumer reports is here with important ways to shop smarter. todd marks, senior product ed tore has the details. i love this topic because i'm shopping, and i like to get a deal, let's start with tickets for less. if i go to a sporting event, where do i get the best deals? >> there's a great way to score a deal on entertainment performances. if you have a major credit card, and who doesn these days? you find out, like american express, they often have exclusive events where you can get advanced notice of a sale. that's a great thing because not only you get advance nose before they go on sale to the general public, but you could have access to better seats. another thing to do is use a secondary source like stubhub. tickets now, ticket liquidators. if you don't go, go to the market, especially baseball games, 82 home games a year,

people hve great seats, but can't make all games. they go up for sale. we had plenty of experiences buying the seats for under face value, and you can do the same thing with entertainment. one of the things i tell people, if you want to go to a concert, like taylor swift, can't get tickets at the radio city music hall. everybody wants to go there. try pittsburgh, try hartford. gerri: then you pay for travel. here's a tip in the story i like. you say if you buy your tickets at live nation and later you find them cheaper somewhere elseyou can actually get a refund from live nation. >> yeah. there's a limitation on how long you have to do that, but at least it's a price assurance, better than what you had in the past. gerri: i like sportg goods, and everybody is buying sport k goods. i by enough golf balls to fill the entire city. where do you get the best deals? >> well, consumer reports did a survey of 24,000 subscribers on sporting good stores, outdoor stores issueand it was not the big guys like dick's and sports

authority that won from the readers. it w the outdoo stores like ll bean. gerri: you're kidding. >> n no, but things for olf, the best plaes were either proshops, one trick pony stores like edwin golf galaxy, the chapes that specialize in one sport. those are the ones -- or independents, they stood out for value, which you don't think, prices high, people got great bang for the buck. value, service, selection, and quality. gerri: very iteresting. okay. price matching. it's a big deal. people love to do it. find an item they want to buy, find it less somewhere else, and get the price matched. how hard is that to do in reality, though? >> well, you know what? price match policies often have as much red tape as a police crime scene. that's the problem. it's, you know, there's always restrictions. best buy recently came out, and i think we've talked about this with a price match policy to tch the prices of major online

retailers like amazon. that you won't see. most of the time it's a local competitor's price. also, some stores have all this other fine points like toys "r" us and walmart don't match a sales price from a percentage off deal. j. crew won't make adjustments on wholesale. gerri: that's annoying. i'm sorry. you know, you have an interesting tip, too, though, for staying safe online. that's been the show all day today. tell us the best advise here. >> two things to stay safe online. temporary credit cards, call up the company, say, listen, i'm trying to do business, i want to do business with a company i'm not that familiar with, or i want to take advantage of a promotion, but they require a credit card in order to take advantage of it. you're not quite sure you can get a temporary credit card from your credit card company that will help you avoid unauthorized charges and identity theft and sts for a limited amount of time for how long you want it.

the other great thing, use paypal. paypal is a great way. if you use ebay, you know. if you use paypal, it's a third party holding the credit card information. when you buy something, they send the payment to the merchant, but they don't give your credit card infrmation. gerri: great idea. come to the studio to st down face to face. >> i will, looking forward to tennessee gerri: complement. thanks a bunch, todd. >> all right, bye. gerri: on this day in business history, back in 1928, american auto pioneer james packard died who built the first automobile in 1899 creating the automobile company three years later, the first car with steering whels and were the first to use an h-pattern gear shift, the configuration you know that. they sold for $2600 and were the standard of american luxury way back in the roaring 20s. how pretty are they? owners included actor clark

gable. next to the ford motr company, they were concerned the most valuable name in the auto industry. in 1955, packard merged with studebaker, struggled financially, and in a year, ll packard plants shut down. in the mid-90s, two americans purchased the right to the name, but unsuccessfully revied the company. one of the most valuable names in the country passed away today, mah 20th, 85 years ago. that's good stuff. right back with my two crepts more and question of the day. are you worried about online banking? ♪

♪ your finances can't manage themselves, but that doesn't mean they won't try. bring all your finances together with the help of the one person who can, a certified financial planner professional. cfp -- let's make a plan. gerri: computer experts believ the crash striking networks was the result of a cyber attack from north korea. are you worried that happen here? here is what some of your posting